دورية أكاديمية
Impact of Spatial Scale and Building Exposure Distribution on Earthquake Insurance Rates: A Case Study in Tangshan, China
| العنوان: | Impact of Spatial Scale and Building Exposure Distribution on Earthquake Insurance Rates: A Case Study in Tangshan, China |
|---|---|
| المؤلفون: | Pan Zhang, Xiaojun Li, Chen Liu |
| المصدر: | International Journal of Disaster Risk Science, Vol 14, Iss 1, Pp 64-78 (2023) |
| بيانات النشر: | SpringerOpen, 2023. |
| سنة النشر: | 2023 |
| المجموعة: | LCC:Disasters and engineering |
| مصطلحات موضوعية: | Catastrophe insurance, Earthquake exposure, Premium rate, Spatial scale, Tangshan, China, Disasters and engineering, TA495 |
| الوصف: | Abstract In order to examine the effect of spatial scale and building exposure distribution on the pure rate of earthquake catastrophe insurance, this study described three modules for rate determination, put forward the general assumptions and principles for calculating the pure insurance rate, and introduced three types of building distribution and their calculation. Taking Tangshan City of Hebei Province in China as an example, we analyzed the pure rate of regional earthquake insurance in terms of spatial scale and building exposure distribution by using the method of control variables. The results show that for districts (or counties) with large differences in seismic risk, the risk areas can be further divided to apply differential rates. In areas with a diverse distribution of potential earthquake source areas and large differences in building density, there is a risk of overestimating or underestimating the pure rate of earthquake insurance when buildings are distributed evenly or partially evenly. This violates the break-even principle of rate setting. This study also provides a reference for earthquake catastrophe insurance companies to choose the spatial scale and the detailed level of exposure distribution in rate determination. |
| نوع الوثيقة: | article |
| وصف الملف: | electronic resource |
| اللغة: | English |
| تدمد: | 2095-0055 2192-6395 |
| Relation: | https://doaj.org/toc/2095-0055; https://doaj.org/toc/2192-6395 |
| DOI: | 10.1007/s13753-023-00471-4 |
| URL الوصول: | https://doaj.org/article/8a4740ccc59a40daa50c7ed702c1f9fd |
| رقم الأكسشن: | edsdoj.8a4740ccc59a40daa50c7ed702c1f9fd |
| قاعدة البيانات: | Directory of Open Access Journals |
Find this article in full text from Springer Verlag. 
Full Text Finder | تدمد: | 20950055 21926395 |
|---|---|
| DOI: | 10.1007/s13753-023-00471-4 |